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Loans (Tables)

6 Months Ended

Jun. 30, 2015

Loans were as follows:



	June 30, 2015			Percentage of Total		December 31, 2014			Percentage of Total
Commercial and industrial:
Commercial	$	5,621,818		49.3	%	$	5,429,206		49.4	%
Leases	344,091			3.0		338,537			3.1
Total commercial and industrial	5,965,909			52.3		5,767,743			52.5
Commercial real estate:
Commercial mortgages	3,146,004			27.6		3,080,202			28.0
Construction	761,834			6.7		629,988			5.7
Land	281,860			2.5		291,907			2.7
Total commercial real estate	4,189,698			36.8		4,002,097			36.4
Consumer real estate:
Home equity loans	336,468			3.0		342,725			3.1
Home equity lines of credit	226,877			2.0		220,128			2.0
Other	304,345			2.6		286,198			2.6
Total consumer real estate	867,690			7.6		849,051			7.7
Total real estate	5,057,388			44.4		4,851,148			44.1
Consumer and other:
Consumer installment	395,054			3.4		385,479			3.5
Other	6,939			0.1		8,122			0.1
Total consumer and other	401,993			3.5		393,601			3.6
Unearned discounts	(24,466		)	(0.2	)	(24,957		)	(0.2	)
Total loans	$	11,400,824		100.0	%	$	10,987,535		100.0	%

Non-Accrual Loans, Segregated by Class of Loans

Non-accrual loans, segregated by class of loans, were as follows:



	June 30, 2015		December 31, 2014
Commercial and industrial:
Energy	$	727	$	636
Other commercial	30,487		34,108
Commercial real estate:
Buildings, land and other	15,316		19,639
Construction	254		2,792
Consumer real estate	2,812		2,212
Consumer and other	457		538
Total	$	50,053	$	59,925

Age Analysis of Past Due Loans, Segregated by Class of Loans

An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of June 30, 2015 was as follows:



	Loans 30-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans			Total Loans			Accruing Loans 90 or More Days Past Due
Commercial and industrial:
Energy	$	5,895	$	10,817	$	16,712	$	1,780,353		$	1,797,065		$	10,181
Other commercial	35,600		23,699		59,299		4,109,545			4,168,844			3,398
Commercial real estate:
Buildings, land and other	18,831		9,123		27,954		3,399,910			3,427,864			3,875
Construction	1,809		376		2,185		759,649			761,834			376
Consumer real estate	7,097		1,764		8,861		858,829			867,690			1,351
Consumer and other	3,090		635		3,725		398,268			401,993			586
Unearned discounts	—		—		—		(24,466		)	(24,466		)	—
Total	$	72,322	$	46,414	$	118,736	$	11,282,088		$	11,400,824		$	19,767

Impaired Loans

Impaired loans are set forth in the following table. No interest income was recognized on impaired loans subsequent to their classification as impaired.



	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
June 30, 2015
Commercial and industrial:
Energy	$	706	$	636	$	—	$	636	$	—
Other commercial	31,782		21,728		6,636		28,364		2,437
Commercial real estate:
Buildings, land and other	17,959		12,972		163		13,135		71
Construction	469		254		—		254		—
Consumer real estate	1,394		1,149		—		1,149		—
Consumer and other	—		—		—		—		—
Total	$	52,310	$	36,739	$	6,799	$	43,538	$	2,508
December 31, 2014
Commercial and industrial:
Energy	$	706	$	636	$	—	$	636	$	—
Other commercial	42,212		29,007		2,853		31,860		1,613
Commercial real estate:
Buildings, land and other	22,919		17,441		265		17,706		67
Construction	3,007		2,793		—		2,793		—
Consumer real estate	812		596		—		596		—
Consumer and other	—		—		—		—		—
Total	$	69,656	$	50,473	$	3,118	$	53,591	$	1,680

Average Recorded Investment In Impaired Loans

The average recorded investment in impaired loans was as follows:



	Three Months Ended June 30,				Six Months Ended June 30,
	2015		2014		2015		2014
Commercial and industrial:
Energy	$	636	$	526	$	636	$	527
Other commercial	29,680		25,259		30,406		24,286
Commercial real estate:
Buildings, land and other	14,028		20,460		15,254		21,829
Construction	1,497		307		1,929		204
Consumer real estate	859		704		771		717
Consumer and other	—		258		—		265
Total	$	46,700	$	47,514	$	48,996	$	47,828

Troubled Debt Restructurings

Troubled debt restructurings during the six months ended June 30, 2015 and June 30, 2014 are set forth in the following table.



	Six Months Ended June 30, 2015				Six Months Ended June 30, 2014
	Balance at Restructure		Balance at Period-End		Balance at Restructure		Balance at Period-End
Commercial and industrial:
Energy	$	—	$	—	$	—	$	—
Other commercial	709		584		3,752		3,672
Commercial real estate:
Buildings, land and other	—		—		3,122		3,069
	$	709	$	584	$	6,874	$	6,741

Weighted Average Risk Grades for All Commercial Loans by Class

The following table presents weighted average risk grades for all commercial loans by class.



	June 30, 2015			December 31, 2014
	Weighted Average Risk Grade	Loans		Weighted Average Risk Grade	Loans
Commercial and industrial:
Energy
Risk grades 1-8	5.98	$	1,624,075	5.37	$	1,740,455
Risk grade 9	9.00	40,179		9.00	27,313
Risk grade 10	10.00	60,752		10.00	161
Risk grade 11	11.00	71,332		11.00	5,380
Risk grade 12	12.00	727		12.00	636
Risk grade 13	13.00	—		13.00	—
Total energy	6.39	$	1,797,065	5.45	$	1,773,945
Other commercial
Risk grades 1-8	5.91	$	3,937,873	5.93	$	3,785,171
Risk grade 9	9.00	65,133		9.00	65,166
Risk grade 10	10.00	85,756		10.00	54,519
Risk grade 11	11.00	49,594		11.00	55,034
Risk grade 12	12.00	28,010		12.00	31,683
Risk grade 13	13.00	2,478		13.00	2,225
Total other commercial	6.15	$	4,168,844	6.16	$	3,993,798
Commercial real estate:
Buildings, land and other
Risk grades 1-8	6.57	$	3,146,929	6.53	$	3,148,339
Risk grade 9	9.00	112,178		9.00	72,906
Risk grade 10	10.00	106,556		10.00	87,889
Risk grade 11	11.00	46,288		11.00	43,336
Risk grade 12	12.00	15,842		12.00	19,501
Risk grade 13	13.00	71		13.00	138
Total commercial real estate	6.84	$	3,427,864	6.76	$	3,372,109
Construction
Risk grades 1-8	7.01	$	713,752	6.91	$	617,805
Risk grade 9	9.00	46,140		9.00	8,003
Risk grade 10	10.00	1,303		10.00	1,323
Risk grade 11	11.00	385		11.00	64
Risk grade 12	12.00	254		12.00	2,793
Risk grade 13	13.00	—		13.00	—
Total construction	7.14	$	761,834	6.97	$	629,988

Net (Charge-Offs)/Recoveries, Segregated by Class of Loans

Net (charge-offs)/recoveries, segregated by class of loans, were as follows:



	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Commercial and industrial:
Energy	$	1		$	460		$	3		$	447
Other commercial	(1,683		)	(1,594		)	(2,535		)	(3,277		)
Commercial real estate:
Buildings, land and other	279			(400		)	(28		)	(2,018		)
Construction	15			275			16			315
Consumer real estate	81			(27		)	53			(4		)
Consumer and other	(667		)	(508		)	(1,479		)	(1,139		)
Total	$	(1,974	)	$	(1,794	)	$	(3,970	)	$	(5,676	)

Unallocated Portion of Allowance for Loan Losses

The following table presents details of the allowance for loan losses, segregated by loan portfolio segment.



	Commercial and Industrial			Commercial Real Estate			Consumer Real Estate			Consumer and Other			Total
June 30, 2015
Historical valuation allowances	$	41,002		$	15,110		$	2,073		$	11,857		$	70,042
Specific valuation allowances	2,437			71			—			—			2,508
General valuation allowances:
Environmental risk adjustment	7,671			3,600			469			2,943			14,683
Distressed industries	2,307			266			—			—			2,573
Excessive industry concentrations	6,151			372			—			—			6,523
Large relationship concentrations	2,456			1,725			—			—			4,181
Highly-leveraged credit relationships	5,742			1,455			—			—			7,197
Policy exceptions	2,309			838			—			—			3,147
Loans not reviewed by concurrence	2,044			2,224			2,429			1,212			7,909
Adjustment for recoveries	(3,981		)	(939		)	(311		)	(7,840		)	(13,071		)
General macroeconomic risk	587			213			42			73			915
Total	$	68,725		$	24,935		$	4,702		$	8,245		$	106,607
December 31, 2014
Historical valuation allowances	$	32,421		$	14,684		$	2,017		$	10,482		$	59,604
Specific valuation allowances	1,613			67			—			—			1,680
General valuation allowances:
Environmental risk adjustment	6,773			3,547			474			2,683			13,477
Distressed industries	3,090			3			—			—			3,093
Excessive industry concentrations	2,114			378			—			—			2,492
Large relationship concentrations	2,248			1,559			—			—			3,807
Highly-leveraged credit relationships	3,958			1,347			—			—			5,305
Policy exceptions	1,907			875			—			—			2,782
Credit and collateral exceptions	1,483			681			—			—			2,164
Loans not reviewed by concurrence	2,110			2,284			2,336			1,176			7,906
Adjustment for recoveries	(6,234		)	(1,800		)	(364		)	(7,439		)	(15,837		)
General macroeconomic risk	7,709			3,538			715			1,107			13,069
Total	$	59,192		$	27,163		$	5,178		$	8,009		$	99,542

Activity in Allowance for Loan Losses by Portfolio Segment

The following table details activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2015 and 2014. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.



	Commercial and Industrial			Commercial Real Estate			Consumer Real Estate			Consumer and Other			Total
Three months ended:
June 30, 2015
Beginning balance	$	64,713		$	27,105		$	4,907		$	8,983		$	105,708
Provision for loan losses	5,694			(2,464		)	(286		)	(71		)	2,873
Charge-offs	(2,374		)	—			(21		)	(2,692		)	(5,087		)
Recoveries	692			294			102			2,025			3,113
Net charge-offs	(1,682		)	294			81			(667		)	(1,974		)
Ending balance	$	68,725		$	24,935		$	4,702		$	8,245		$	106,607

June 30, 2014
Beginning balance	$	57,054		$	21,020		$	4,533		$	5,691		$	95,156
Provision for loan losses	(248		)	1,151			153			1,244			4,924
Charge-offs	(3,028		)	(935		)	(105		)	(2,269		)	(6,337		)
Recoveries	1,894			810			78			1,761			4,543
Net charge-offs	(1,134		)	(125		)	(27		)	(508		)	(1,794		)
Ending balance	$	55,672		$	22,046		$	4,659		$	6,427		$	98,286

Six months ended:
June 30, 2015
Beginning balance	$	59,192		$	27,163		$	5,178		$	8,009		$	99,542
Provision for loan losses	12,065			(2,216		)	(529		)	1,715			11,035
Charge-offs	(4,506		)	(478		)	(101		)	(5,497		)	(10,582		)
Recoveries	1,974			466			154			4,018			6,612
Net charge-offs	(2,532		)	(12		)	53			(1,479		)	(3,970		)
Ending balance	$	68,725		$	24,935		$	4,702		$	8,245		$	106,607

June 30, 2014
Beginning balance	$	52,790		$	22,590		$	5,230		$	5,010		$	92,438
Provision for loan losses	5,712			1,159			(567		)	2,556			11,524
Charge-offs	(5,395		)	(2,726		)	(126		)	(4,756		)	(13,003		)
Recoveries	2,565			1,023			122			3,617			7,327
Net charge-offs	(2,830		)	(1,703		)	(4		)	(1,139		)	(5,676		)
Ending balance	$	55,672		$	22,046		$	4,659		$	6,427		$	98,286

Allowance for Loan Losses Disaggregated on the Basis of Impairment Methodology

The following table details the amount of the allowance for loan losses allocated to each portfolio segment as of June 30, 2015, December 31, 2014 and June 30, 2014, detailed on the basis of the impairment methodology we used:



	Commercial and Industrial		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Unallocated		Total
June 30, 2015
Loans individually evaluated for impairment	$	2,437	$	71	$	—	$	—	$	—	$	2,508
Loans collectively evaluated for impairment	66,288		24,864		4,702		8,245		—		104,099
Balance at June 30, 2015	$	68,725	$	24,935	$	4,702	$	8,245	$	—	$	106,607
December 31, 2014
Loans individually evaluated for impairment	$	1,613	$	67	$	—	$	—	$	—	$	1,680
Loans collectively evaluated for impairment	57,579		27,096		5,178		8,009		—		97,862
Balance at December 31, 2014	$	59,192	$	27,163	$	5,178	$	8,009	$	—	$	99,542
June 30, 2014
Loans individually evaluated for impairment	$	613	$	776	$	—	$	—	$	—	$	1,389
Loans collectively evaluated for impairment	55,059		21,270		4,659		6,427		9,482		96,897
Balance at June 30, 2014	$	55,672	$	22,046	$	4,659	$	6,427	$	9,482	$	98,286

Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology

recorded investment in loans as of June 30, 2015, December 31, 2014 and June 30, 2014 related to each balance in the allowance for loan losses by portfolio segment and detailed on the basis of the impairment methodology we used was as follows:



	Commercial and Industrial		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Unearned Discounts			Total
June 30, 2015
Loans individually evaluated for impairment	$	29,000	$	13,389	$	1,149	$	—	$	—		$	43,538
Loans collectively evaluated for impairment	5,936,909		4,176,309		866,541		401,993		(24,466		)	11,357,286
Ending balance	$	5,965,909	$	4,189,698	$	867,690	$	401,993	$	(24,466	)	$	11,400,824
December 31, 2014
Loans individually evaluated for impairment	$	32,496	$	20,499	$	596	$	—	$	—		$	53,591
Loans collectively evaluated for impairment	5,735,247		3,981,598		848,455		393,601		(24,957		)	10,933,944
Ending balance	$	5,767,743	$	4,002,097	$	849,051	$	393,601	$	(24,957	)	$	10,987,535
June 30, 2014
Loans individually evaluated for impairment	$	31,652	$	20,193	$	689	$	252	$	—		$	52,786
Loans collectively evaluated for impairment	5,592,105		3,814,662		862,361		377,904		(22,489		)	10,624,543
Ending balance	$	5,623,757	$	3,834,855	$	863,050	$	378,156	$	(22,489	)	$	10,677,329